ClariFi
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The Process

How ClariFi Works

Three simple steps from application to approval. No credit score impact, no obligation, and a broker looking after your interests throughout.

  1. Tell us what you need

    Answer a few questions about your loan purpose, amount, and financial situation. It takes about two minutes and uses a soft credit check. No impact to your score.

    • Loan type, amount, and preferred term
    • Basic employment and income details
    • Soft credit check. No score impact

  2. We compare 50+ lenders instantly

    Your single application goes to our full lender panel simultaneously, including banks, credit unions, and specialist financiers. Our system surfaces the most competitive options for your profile.

    • 50+ lenders assessed in real time
    • Rates, fees, and terms side by side
    • Our brokers review and rank results for you

  3. We handle the legwork

    Once you choose a rate, our brokers manage the full application with the lender: paperwork, follow-up, and communication. Most applicants receive formal approval within 1–3 business days.

    • Dedicated broker manages your application
    • Formal approval in 1–3 business days
    • Funds transferred directly to your account
    Start my application
The broker advantage

Why use a broker instead of going direct?

Going direct to a single lender means accepting whatever rate they offer. Using ClariFi means 50+ lenders competing for your business, with a broker doing the work.

Access rates banks won't advertise

Lenders compete for your business through ClariFi's panel. The rates available through a broker relationship are often more competitive than walking into a branch, because the lender's acquisition cost is lower.

One application, no repeat paperwork

Instead of completing separate applications with five different lenders and triggering five hard credit enquiries, a single ClariFi application reaches our full panel with one soft check.

Free service. Lenders pay us

Our fee comes from the lender when you proceed, not from you. We receive the same referral fee regardless of which lender you choose, so there is no incentive to push you toward a lender that isn't right.

Real people. Real results. Finance made simple.

4.9
Trusted by thousands of Australians

Customer reviews include Bernadette K., Kerrilee F., Cynthia K., James T., Ranel L., Jim G., Greg O., Eleisha J., York T., Anil G.. Average rating 4.9 out of 5.

FAQ

Process questions

How does ClariFi work?
You tell us what you want to finance, how much you may need and a few details about your situation. We then compare options across our lender panel and match you with lenders that are more likely to fit your profile, loan purpose and asset. A ClariFi broker can help you understand the options and next steps before you apply. Want to estimate your repayments first? Try our loan repayment calculator.
Is ClariFi really free?
Yes. It’s free to get a quote, compare options and work through the process with ClariFi. If your loan settles, we are paid by the lender through a standard finance broking commission. Any lender fees, charges, repayments or conditions will be disclosed before you decide to proceed. Read more in our guide to how brokers get paid.
Will comparing options affect my credit score?
Getting an initial quote or comparing options with ClariFi is designed not to affect your credit score. A credit enquiry may only be recorded if you choose to proceed with a lender application and consent to the lender assessing your credit file. See our credit score guide.
How many lenders do you compare?
We compare options across 50+ Australian lenders, including major banks, regional banks, credit unions and specialist finance providers. Not every lender suits every customer, so our role is to identify suitable options based on your profile, asset, loan amount and loan purpose. Use our borrowing power calculator to see what you could qualify for.
How long does the process take?
Many customers receive initial lender matches within one business day after submitting their details. The time to approval and settlement depends on the lender, loan type, information required and how quickly documents are provided. Your broker will keep you updated and explain what’s needed at each step. Ready to start? Begin your application.
What types of finance can I compare?
ClariFi can help with car loans, personal loans, commercial vehicle finance, equipment finance, unsecured business loans and leisure finance such as boats, caravans and motorcycles. If you’re not sure which option fits, we’ll help point you in the right direction. See all loan products.
READY TO START

Two minutes today.
Better rate tomorrow.

Tell us what you need. We'll come back within one business day with real, prequalified options.